Full claim on your revolving credit card (tarjeta revolving) or revolving credit line, from start to finish

Full claim on your revolving credit card (tarjeta revolving) or revolving credit line, from start to finish is filed with Servicio de atención a la clientela de la entidad emisora, con envío por burofax con acuse de recibo; cuando procede, también la empresa que hoy le reclama la deuda y el responsable del fichero de solvencia. With Managora you do it 100% online: you answer a few questions, sign a digital mandato (power of representation) and we draft, sign and file your application for you. What we charge you: from €299.

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We handle the entire claim against the lender behind your revolving credit card (tarjeta revolving) or revolving credit line, without you having to gather anything yourself. If you no longer have the contract or the statements, we request them from the lender for you. With those papers in front of us we compare the interest rate on your contract with the average rate that the Banco de España published for that same product in the month you signed, and we see whether your case rests on the interest you were charged or on the information you were not given when you signed up. We work out how much you have paid over and above the capital you actually drew down, and how much of that can still be claimed today. We then claim in writing from the lender, by burofax (a registered letter with certified content) with proof of delivery, which is included in the price, and we follow the file until they reply: when they do, we go through their answer with you and tell you what is worth doing next. If a different company is chasing the debt, or if you appear on a credit blacklist (fichero de morosos) because of it, we also write to whoever is responsible and ask for your removal, all within this same engagement. On signing up you pay from 299,00 € (VAT included), which is the provision of funds for the engagement: the price comes out of your answers and you see it before you pay. Afterwards, and only if the matter goes ahead, our fee is 20 % plus VAT of what you gain, counting both the money refunded to you and the debt you no longer owe, and the provision you already paid is deducted from that amount. If nothing is recovered, you pay nothing more. If the lender says no, court action remains, which is a separate engagement and is contracted separately.

What we charge you: from €299
Managora's fee: €299.00 (21% VAT incl.)
Tasa (official government fee): No tasa payable
Processing time: If you already have the papers, we send the burofax to the lender within the 3 working days following your signature on the mandate. If the documentation has to be requested from them first, that request goes out within 2 working days and the lender has one month to hand it over; as soon as it arrives, we claim. From the moment it receives the claim, the customer service department has one month to reply, and we keep watch on that deadline for you. It is best not to let it drift: cancelling the contract has no time limit, but the refund of money reaches back over the last five years and is counted instalment by instalment, so every month that passes without a claim leaves one instalment out.
Where it is filed: Servicio de atención a la clientela de la entidad emisora, con envío por burofax con acuse de recibo; cuando procede, también la empresa que hoy le reclama la deuda y el responsable del fichero de solvencia ↗
What you receive: Application

Cost breakdown: Our fee from 299,00 € (21% VAT included). There is no tasa (official fee) to pay to any public body and the burofax with proof of delivery is included. You do not choose the price: it comes out of your answers and you see it before you pay. It is 299,00 € if you still have the contract and the statements, because the case can be analysed and claimed straight away. It is 399,00 € if the contract is missing or the statements are missing, because they first have to be requested from the lender and their reply awaited. And it is 549,00 € if, on top of that, a different company is chasing the debt or you appear on a credit blacklist because of it, since the letter to that company and the request for removal from the file are added. Contracting each piece separately, the same work would cost 348,00 €, 447,00 € and 646,00 €. On top of that provision of funds comes, only if the matter goes ahead, 20 % plus VAT of what you gain from it, counting the money refunded to you and the debt you no longer owe. The provision you already paid is deducted from that fee, so it is not paid twice. If nothing is recovered, there is no success fee and you pay nothing more than you have already paid..

Full claim on your revolving credit card (tarjeta revolving) or revolving credit line, from start to finish: how is it filed?

1Answer the questions in the chat and upload whatever papers you have (around 8 minutes). You do not need to have them all.
2Before paying you will see the exact provision of funds for your case, which comes out of your answers: 299,00 €, 399,00 € or 549,00 € (21% VAT included). You do not choose a level and you do not contract extras afterwards.
3If money is recovered in the end, or debt is written off, 20 % plus VAT of what you gain is added to that provision, less the provision you already paid. If nothing is recovered, you pay nothing more.
4Card payment and signature of the mandate from your mobile.
5If you are missing the contract or the statements, we claim them from the lender by burofax (a registered letter with certified content) with proof of delivery and let you know as soon as they arrive.
6With the documentation in front of us we compare the interest rate on your contract with the average rate published for that product in the month you signed, and we also review how you were informed when you signed up.
7We work out how much you have paid over and above the capital you actually drew down and how much can still be claimed today.
8We claim in writing from the lender, by burofax with proof of delivery and certification of content, setting out that figure and its breakdown. The burofax is included in the price.
9If a different company is chasing the debt, we write to them as well, requiring them to prove that the credit is theirs; and if you appear on a credit blacklist because of this debt, we ask for your removal.
10We keep watch over the month allowed for the reply and send you everything: the letters sent, the proofs of delivery, the signed mandate and your invoice.
11When the lender replies, we explain it to you in writing with their answer in front of us and tell you whether it is worth continuing. If the matter has to continue through the courts, that is a separate engagement and you decide.

Which documents do you need?

•Your DNI (Spanish national identity document) or NIE (Foreigner Identity Number), front and back. It is the only document that is always essential: the lender processes nothing without proof of who the holder is.
•The contract for the card or for the credit line, if you still have it. If you do not, do not go looking for it: we request it from the lender and that step is part of this engagement.
•The monthly statements or settlements, the more months the better. If months are missing, upload the ones you have and we claim the rest.
•The latest letter or message from the company chasing the debt, only if it is not the lender that issued your card.
•The credit blacklist (fichero de morosos) notice or the letter refusing you finance, only if you appear on a file because of this debt.

Legal basis and things to bear in mind

There is no tasa (official fee) to pay to any public body: this claim is not filed with an administration, it is addressed to the lender. The burofax with proof of delivery is included in the price and you advance nothing yourself.
The price is fixed and does not depend on what is recovered: we do not charge a percentage of what the lender pays back. It comes out of three answers of yours (which papers you still have, whether a different company is chasing you and whether you appear on a credit blacklist), you see it before you pay and no extras are added afterwards.
Answering that you do not know does not make the engagement more expensive. If you do not know whether the company chasing you is a different one, or whether you appear on a file because of this debt, we check it ourselves and, if it turns out you do, we deal with it just the same at no extra charge.
The first thing is to claim, even if you do not yet have the contract in your hands. Cancelling the contract has no time limit, but the refund of money reaches back over the last five years and is counted instalment by instalment, so every month that passes without a claim leaves one instalment out. The letter goes by burofax with proof of delivery so that there is a record of the day on which you claimed.
It works even if the card has been cancelled and even if you signed it fifteen years ago. Having stopped using it, or having finished paying it off, does not take away your right to claim back what you paid over and above the capital you actually drew down.
The claim rests on two grounds and both of them are used: the interest you were charged, when it turns out to be far higher than what was normal for that same product in the month you signed, and the information you were given about the cost before signing. What is asked for is that that interest be set aside and that you be refunded whatever was charged over and above the capital you actually drew down.
We do not promise a result. We tell you how much you have paid over and above the capital you actually drew down and how much of it can still be claimed today, and that is what we demand in writing. The lender may accept it, offer less or refuse.
If on reading your papers we see that there is no basis for a claim, we tell you so with the calculation in front of you and we do not send a letter that does not stand up. We would rather tell you ourselves than let the lender tell you.
If the lender refuses or lets the month go by without replying, we explain it to you with their answer in front of us and tell you what options you have left. Continuing through the courts is a separate engagement, with its own price, and it is your decision: no litigation is contracted here.
If the company chasing the debt is a different one from the one that gave you the card, we require them to prove that the credit is theirs and we put on record in writing that you dispute the debt. Writing to them does not replace the claim to the lender that holds the contract: in that case we do both, within this same price.
If you appear on a credit blacklist because of this debt, the request for removal rests on the fact that you have disputed it in writing and with a date. That is why it comes after the claim and within the same engagement, not separately.
This engagement includes what we also sell on its own: requesting the documentation from the lender, the study of the interest rate and of what was overpaid, and the formal claim by burofax. Together it comes to less than piece by piece. If you have already contracted any of those pieces from us before, say so at the start: we build on that work and do not repeat it for you.

Full claim on your revolving credit card (tarjeta revolving) or revolving credit line, from start to finish: frequently asked questions

Full claim on your revolving credit card (tarjeta revolving) or revolving credit line, from start to finish: how much does it cost?

We charge you from €299: our fee plus, where applicable, the fixed official tasa we advance. Our fee from 299,00 € (21% VAT included). There is no tasa (official fee) to pay to any public body and the burofax with proof of delivery is included. You do not choose the price: it comes out of your answers and you see it before you pay. It is 299,00 € if you still have the contract and the statements, because the case can be analysed and claimed straight away. It is 399,00 € if the contract is missing or the statements are missing, because they first have to be requested from the lender and their reply awaited. And it is 549,00 € if, on top of that, a different company is chasing the debt or you appear on a credit blacklist because of it, since the letter to that company and the request for removal from the file are added. Contracting each piece separately, the same work would cost 348,00 €, 447,00 € and 646,00 €. On top of that provision of funds comes, only if the matter goes ahead, 20 % plus VAT of what you gain from it, counting the money refunded to you and the debt you no longer owe. The provision you already paid is deducted from that fee, so it is not paid twice. If nothing is recovered, there is no success fee and you pay nothing more than you have already paid.. Managora's fee is €299.00, 21% VAT included (€247.11 net + €51.89 VAT). This procedure carries no official tasa.

Full claim on your revolving credit card (tarjeta revolving) or revolving credit line, from start to finish: how long does it take?

If you already have the papers, we send the burofax to the lender within the 3 working days following your signature on the mandate. If the documentation has to be requested from them first, that request goes out within 2 working days and the lender has one month to hand it over; as soon as it arrives, we claim. From the moment it receives the claim, the customer service department has one month to reply, and we keep watch on that deadline for you. It is best not to let it drift: cancelling the contract has no time limit, but the refund of money reaches back over the last five years and is counted instalment by instalment, so every month that passes without a claim leaves one instalment out.

Full claim on your revolving credit card (tarjeta revolving) or revolving credit line, from start to finish: which documents do I need?

You need to have to hand: Your DNI (Spanish national identity document) or NIE (Foreigner Identity Number), front and back. It is the only document that is always essential: the lender processes nothing without proof of who the holder is., The contract for the card or for the credit line, if you still have it. If you do not, do not go looking for it: we request it from the lender and that step is part of this engagement., The monthly statements or settlements, the more months the better. If months are missing, upload the ones you have and we claim the rest., The latest letter or message from the company chasing the debt, only if it is not the lender that issued your card., The credit blacklist (fichero de morosos) notice or the letter refusing you finance, only if you appear on a file because of this debt.. You do not upload them here: we collect the details through the guided chat.

Who files the procedure?

Managora files it in your name with Servicio de atención a la clientela de la entidad emisora, con envío por burofax con acuse de recibo; cuando procede, también la empresa que hoy le reclama la deuda y el responsable del fichero de solvencia. You only provide the details through the chat and sign a mandato (power of representation); we prepare, sign and register it.

Can it be done online?

Yes. The whole process is online: you answer a few questions in the guided chat, sign a simple mandato on screen and receive the receipt and the official documents by email, with full legal validity.

Related procedures

Based on the legislation in force and on the official site of the competent authority: Servicio de atención a la clientela de la entidad emisora, con envío por burofax con acuse de recibo; cuando procede, también la empresa que hoy le reclama la deuda y el responsable del fichero de solvencia ↗.

Managora Gestion SL (company number B88823893) is a private company. We are not Servicio de atención a la clientela de la entidad emisora, con envío por burofax con acuse de recibo; cuando procede, también la empresa que hoy le reclama la deuda y el responsable del fichero de solvencia, we are not affiliated with, authorised or endorsed by any public authority, and this website is not an official government portal. What you pay on this page is our fee for preparing, signing and filing the procedure on your behalf: it is separate from the official tasa, which where applicable belongs to the authority and is shown to you separately. You can carry out this procedure yourself, directly with Servicio de atención a la clientela de la entidad emisora, con envío por burofax con acuse de recibo; cuando procede, también la empresa que hoy le reclama la deuda y el responsable del fichero de solvencia.

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